Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $3,860 (2025).

What school district is this property in?

This property is in the 813 - Lake City school district.

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property has been listed for 6 days.

Listed at

$349,900

$178/sqft

Willers 1st Ad

1320 N Garden Street, Lake City, MN, 55041

3 Bedrooms2 Bathrooms1,968 Square Feet0.33 Acres

Days on market6

Year built1996

Garage spaces3

TypeResidential

Est. $7,497buyer credit when you buy with SODL

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About this home

Welcome to this well-maintained and nicely updated one-owner ranch home in Lake City, just minutes from beautiful Lake Pepin! Offering comfortable main-level living, this home features 3 bedrooms and 2 bathrooms, including a bedroom with its own private bathroom. The lower level is partially finished and offers a spacious family room with a cozy gas fireplace, along with a large unfinished area providing plenty of storage or the opportunity to finish for additional living space. A standout feature is the oversized heated 3-car tandem-style garage, complete with durable epoxy flooring, perfect for vehicles, hobbies, and extra storage. Recent updates include a new roof, siding, HVAC system, appliances, window wells, driveway, and patio, providing peace of mind and making this home move-in ready. Enjoy the convenience of Lake City living with easy access to Lake Pepin, all while enjoying a comfortable home with thoughtful updates and plenty of space.

View this property at

Date

Sep 26, 2026

Time

3pm – 4:30pm

Address

1320 N Garden Street, Lake City, MN, 55041

+1 more open house date

Listed By: Edina Realty, Inc. • NST7146883 • Source: Property Details provided by NorthstarMLS and may not match the public record.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1996

LevelsOne

Living area1,968 sqft

Above-grade finished1,408 sqft

Below-grade finished560 sqft

Lot size0.33 acres (93x140)

Days on market6

ListedSep 22, 2026

MLS #NST7146883

CountyGoodhue

SubdivisionWillers 1st Ad

Parcel #542500020

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air, Fireplace(s)
Cooling: Central Air
Appliances: Dishwasher, Disposal, Dryer, Humidifier, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 3 spaces · 996 sqft
Parking features: Attached Garage, Concrete, Garage Door Opener, Heated Garage, Insulated Garage, Tandem Garage
Patio & porch: Patio
Exterior features: Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block
Foundation: Block · 1,408 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 1996

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas

Community & HOA

Subdivision: Willers 1st Ad
HOA: No HOA
School district: 813 - Lake City
High school district: Lake City

Financial & listing details

Annual tax: $3,860 (2025)
Listed: Sep 22, 2026
Days on market: 6
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Egress Window(s), Full, Partially Finished

HeatingForced Air, Fireplace(s)

CoolingCentral Air

Fireplaces1

LaundryLaundry Room, Main Level, Sink

AppliancesDishwasher, Disposal, Dryer, Humidifier, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningInformal Dining Room, Kitchen/Dining Room, Living/Dining Room

AccessibilityPartially Wheelchair

Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorVinyl

RoofAge 8 Years or Less, Asphalt

FoundationBlock

Foundation area1,408 sqft

Patio/porchPatio

Road frontageCity Street, Paved Streets

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Garage Door Opener, Heated Garage, Insulated Garage, Tandem Garage

Garage spaces3

Garage size996 sqft

Financial details

Annual taxes$3,860

Tax year2025

Taxes w/ assessments3860

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District813 - Lake City

District number813

District phone6513452198

High schoolLake City

SODL flat fee brokerage

$7,497Estimated buyer credit

SODL platform fee $3,000Your buyer credit $7,497

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

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Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,277/mo

Principal & interest$1,839

Property taxes$322

Home insurance (est.)$117

Down payment

$69,980

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.